For decades, the 4% rule has been the go-to retirement strategy: withdraw 4% of your portfolio each year, and your money should last 30 years. But is that still a safe assumption in today’s market? As an advisor who’s helped clients navigate retirement through rising interest rates, inflation spikes, and market downturns, I believe this … Read more
When it comes to retirement planning, many couples underestimate the power of a well-executed Social Security spousal benefits strategy. I’ve seen this single decision make a six-figure difference over a couple’s lifetime. If you’re married, divorced, or widowed, there are strategic ways to maximize your household Social Security income—and they’re often overlooked. What Are Social … Read more
Using tax-efficient withdrawal strategies in retirement isn’t just smart—it can dramatically increase how long your savings last. I’ve worked with many clients who had solid portfolios but lacked a plan for withdrawals, which cost them thousands in unnecessary taxes. Let’s walk through how you can avoid that. Understanding the Impact of Taxes in Retirement Taxes … Read more
When you’re nearing retirement, choosing the best investments for retirement income becomes crucial. Many clients I’ve advised share the same concern: “How do I ensure my money lasts while generating stable retirement income?” Let’s examine the most effective investment options to secure steady retirement income and protect your assets. Dividend-Paying Stocks: Best Investments for Retirement … Read more
Retirement planning is one of the most important financial steps you’ll take in life. If you’re wondering how to start retirement planning, even if you’re behind, this guide will help you build a strong financial future. The good news? It’s never too late to start. With the right strategy, you can build a solid retirement … Read more
When it comes to retirement savings, choosing between a 401(k) vs. IRA is one of the most important financial decisions you’ll make. Both accounts offer unique tax advantages and growth potential, but prioritizing the right one can significantly impact your long-term success. Both offer tax advantages and growth potential, but deciding which one to prioritize … Read more
Category: Retirement & Wealth Planning Case Study Type: Pre-Retirement Planning This financial case study explores how I helped a couple navigate retirement planning, optimize taxes, and use indexed annuities to secure their future. Client Profile Understanding This Financial Case Study John and Susan had been diligent savers, accumulating over $1.3 million in retirement accounts and … Read more
Retirement planning mistakes can derail your financial future if you’re not careful. It’s not just about saving money—it’s about making the right decisions at the right time. Over the years, I’ve seen common mistakes that can derail even the best-laid financial plans. The good news? These mistakes are avoidable if you know what to watch … Read more
Ah, the Super Bowl—the one day of the year when even people who haven’t watched a single down all season suddenly become die-hard football analysts. And let’s be honest, some of us (myself included) might throw a little money down on the game, not just for the thrill but to test our “expert” predictions. But … Read more
When it comes to Social Security, most people think of retirement benefits. But what happens when a spouse passes away? That’s where Social Security survivor benefits come in—an often misunderstood but critical part of financial planning for widows, widowers, and dependents. Over the years, I’ve had many clients who were unaware of their eligibility for … Read more